Topics to include:• What elements comprise a well-rounded credit profile and the weight given to each element.• Emphasize the importance of “live” credit lines and their proper usage.• Dispel some of the myths out there regarding the impact of collections and any negative reporting from the past.• Introduction of Justine Petersen’s credit building products which generate, if used properly, the necessary reporting to the three credit bureaus for the purpose of increasing one’s credit score (products that cost very little to obtain yet do not create debt).